Chime vs. GO2bank
Chime's Chime High-Yield Savings Account pays 3.75% APY while GO2bank's High Yield Savings pays 4.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Chime pays $150 more than GO2bank annually ($375 vs $225).
Choose Chime if getting the best rate matters most, or BBB rating matters to you.
Important Considerations
Both Chime High-Yield Savings Account and High Yield Savings pay their top rate only if you also open a checking account at the same institution.
| Metric | ChimeChime High-Yield Savings Account Sep 4, 2026 | GO2bankHigh Yield Savings Sep 4, 2026 |
|---|---|---|
| APY | 3.75% | 4.50% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$225 $10,000+$225 $25,000+$225 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | A GO2bank checking account is required to open a savings account. The stated APY is up to $5,000. Balances above that earn no interest. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily Compounding | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleStable Rate |
Looking for Simplicity?
Don't want a checking bundle? We track many savings and money market accounts that pay competitive rates without checking requirements.
Executive Summary
GO2bank offers a High Yield Savings account with an APY of 4.50%, making it the more attractive option compared to Chime's High-Yield Savings Account, which has an APY of 3.75%. However, to open a GO2bank savings account, a GO2bank checking account is required. Chime's account does not have this requirement but mandates direct deposit. Both accounts are online-only and have no maintenance fees if conditions are met. For those looking for a higher yield, GO2bank is the clear winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- Higher rated Android app (4.7 vs 4.4)
Why GO2bank?
- Higher potential APY (4.50% vs 3.75%) on balances up to $5,000 (requires checking bundle)
Key Feature Differences
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $225/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $225/yr).
Requires Banking Relationship
Chime High-Yield Savings Account and High Yield Savings both require a checking account bundle to pay their highest rates.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $150 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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Chime vs. GO2bank Savings Calculator
You earn $75 more with GO2bank than Chime on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
GO2bank
High Yield Savings
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $220 a year in interest.
Both Chime and GO2bank advertise far more than that typical branch-bank rate.
| Feature | Chime | GO2bank |
|---|---|---|
| APY | 3.75% Observed: 9/4/2026 Stable over 90 days | 4.50% Observed: 9/4/2026 Stable over 90 days |
| Product Name | Chime High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Compound Frequency | Daily | Quarterly |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | Not reported |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | A GO2bank checking account is required to open a savings account. The stated APY is up to $5,000. Balances above that earn no interest. |
| Next Steps | Visit SiteVerify at Chime Non-sponsored link to official site | Visit SiteVerify at GO2bank Non-sponsored link to official site |
Compare Savings Rates Over Time
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Compare GO2bank vs...
Comparing against other Bundled Accounts
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More Comparisons
Compare Chime's APY of 3.75% with other banks
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.00% | $0 |
| GO2bank vs American Express | 3.00% | $0 |
| GO2bank vs Axos Bank | 4.21% | $0 |
| GO2bank vs Barclays | 3.65% | $0 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs CIT Bank | 3.75% | $100 |
| GO2bank vs EverBank | 3.90% | $0 |
| GO2bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| GO2bank vs Newtek Bank | 4.20% | $100 |
| GO2bank vs Openbank | 3.80% | $500 |
| GO2bank vs Pibank | 4.10% | $0 |
| GO2bank vs SoFi Bank | 4.00% | $0 |
| GO2bank vs Synchrony Bank | 3.30% | $0 |
| GO2bank vs Varo Bank | 3.75% | $0 |
| GO2bank vs Wealthfront | 3.95% | $0 |